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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

to not be happy about bank assuming i want contactless card.

172 replies

HeIenaDove · 15/12/2019 16:18

The long number on the front of the card is different apart from the first five numbers with no explanation as to why.

Im assuming it can still be used as chip and pin and to withdraw money from the ATM as well.

Does not say anything to confirm this in the info leaflet provided. Having read a thread from last year im not too sure i would be happy with contactless.

OP posts:
isabellerossignol · 15/12/2019 16:48

About 20 years ago I had a colleague who refused to use his debit card, in the days of having to sign for things. He felt it was far too big a security risk. Yet he happily carried around his chequebook and cheque guarantee card (remember those?) and couldn't be convinced that that was actually much less secure.

Devonishome1 · 15/12/2019 16:48

I opted out of contactless because I worry that if I lose my card as I sometimes do, then anyone will be able to use it.

gonewiththerain · 15/12/2019 16:49

I have to put my pin in on every 6th transaction and contactless fraud is significantly less than cheque fraud.

MereDintofPandiculation · 15/12/2019 16:50

The only folk who don't want contactless also refuse to do internet banking, and complain about branches closing. Really, they are just making life more inconvenient for themselves. Given the number of people who have lost money through getting the sort code or account number wrong, not wanting internet banking isn't an unreasonable stance, especially as you get older and become aware that your ability to hold numbers in your head is decreasing. Banks were supposed to be getting their act together in 2019 and making it so that it was at least flagged up if the account name you were sending it to didn't match the account name you intended to send it to, but there's no sign of that happening yet ...

BarbedBloom · 15/12/2019 16:50

Honestly, most people use contactless now. I can't remember the last time I saw anyone using chip and pin, they either use cash or contactless. Therefore I would think the onus should be on you to say if you want a non contactless card.

BuggerOffAndGoodDayToYou · 15/12/2019 16:51

i dont bank online

Well in that case you can’t see purchases until you get your paper statement anyway so it doesn’t matter if contactless payments take longer to show up (they don’t on my cards though).

MereDintofPandiculation · 15/12/2019 16:53

I opted out of contactless because I worry that if I lose my card as I sometimes do, then anyone will be able to use it. Maximum loss is £150 because each transaction is limited to £30 and after 5 contactless transactions you need to enter a PIN. Yes, that's a lot of money, but much bigger losses are possible elsewhere in the banking system, or even by carrying cash in your pocket or bag.

MereDintofPandiculation · 15/12/2019 16:54

I can't remember the last time I saw anyone using chip and pin, they either use cash or contactless. Do you never see anyone pay more than £30 for something?

Apolloanddaphne · 15/12/2019 16:54

My DMs bank cad can be used as contactless but she never uses it. She just does chip and pin and she always has. It is just a function on the card that can be used if you wish, or not.

FlamingoAndJohn · 15/12/2019 16:54

You CAN use contactless over £30. Lots of places have changed the limit.

No you can’t. You can use Apple Pay over £30 in some shops. Contactless is still £30.

I'm sure I read the other day that now every fifth transaction, or something like that, will have to be paid for using chip and pin.

I only use contactless and I’ve never had to do this.

CareOfPunts · 15/12/2019 16:55

According to a thread on here from others who have used it its also harder to keep track of your money as it doesnt show up in your account for a while.

I found that the case when I first started using it a couple of months ago but it’s fine now

anxioussue · 15/12/2019 16:56

My bank sends cards with the same number but a different cin

EvaHarknessRose · 15/12/2019 16:56

I online bank, have contactless etc and the only fraud I have ever suffered was a chequebook fraud - two transactions of £500 were taken. The guy from the banks fraud office said it was a very old school fraud involving washing off the printed bit of a cheque book page and putting my numbers on it. The bank spotted it, told me sorted it out, persued it, refunded me quickly (and then tried to sell me a new mortgage).

ForalltheSaints · 15/12/2019 16:56

I use chip and pin most of the time, except on the few occasions I have been without my Oyster card and used it for travel.

sueelleker · 15/12/2019 16:57

I like contactless, but I've never come across an ATM that uses it; It always asks for my PIN.

FlamingoAndJohn · 15/12/2019 16:58

I like contactless, but I've never come across an ATM that uses it; It always asks for my PIN.

That’s because ATMs don’t use contactless.

Ffsnosexallowed · 15/12/2019 16:59

My mil still goes to the bank once a week to move money about from one account to the other. I suggested she set up a standing order, or get online banking. She wasn't impressed. She likes to have her passbook so she knows what money she has.... My mother is worse. She travels 11 miles when she needs to get money from atm, as she'll only use the one outside her bank...

dementedpixie · 15/12/2019 17:01

becleverwithyourcash.com/contactless-payment-declined-you-might-just-need-to-enter-your-pin/ looks like it's a safety feature to ask for the pin after a set number of transactions

TryingToBeBold · 15/12/2019 17:01

@MereDintofPandiculation

Maximum loss is £150 because each transaction is limited to £30 and after 5 contactless transactions you need to enter a PIN

I'm afraid this is wrong. It's actually up to the card machine. Contactless transactions are not "live". The card machine does not dial out and its presumed the money is there in the account. This means the transaction is then stored in the machine. Eventually the memory of the card machine becomes full and the card machine will need to do an online transaction (PIN), that would require it to dial out either via phone line, internet or GPRS in order to clear the memory.

isabellerossignol · 15/12/2019 17:02

I'm sure I read the other day that now every fifth transaction, or something like that, will have to be paid for using chip and pin.

I only use contactless and I’ve never had to do this.

I mostly use contactless but sometimes it does get rejected and I have to use chip and pin, but I haven't actually counted the transactions to see when it happens. But on reality I'm almost certainly spending more than £30 every fourth or fifth time anyway, so I probably wouldn't notice.

loobylou10 · 15/12/2019 17:02

You do have to input your PIN every 4 or 5 times if all the contactless transactions are In the same day.
Stops a thief getting your card and running riot with numerous transactions all under £30 in a short space of time.

inwood · 15/12/2019 17:03

Just don't use the contactless option if you don't want to. Although I can't understand why not.

TryingToBeBold · 15/12/2019 17:04

@DoneAdulting

Same situation as you.
I've only seen fraud on contactless when card has been intercepted in mail.

Also these are the same people that would use it for chip and pin for the smallest of purchases.. and then find themselves easily targeted for their PIN to be viewed then approached for card / or card stolen.

TryingToBeBold · 15/12/2019 17:05

@loobylou10

Seen contactless fraud run up to over £10k so wouldn't be so sure.

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